The Christmas adverts have started, film channels are turning distinctly festive, and people everywhere are starting to think seriously about the number of shopping days left until the main event. Yes, the countdown to Christmas has well and truly begun, but don't let it get your finances in a spin: if you've started worrying about how you'll cover the cost, we've compiled a few top tips to help you reduce your bills and save a bit of extra cash for the big festive shop.
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